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What happens in your daily life has has minimal affect on your credit score. Your credit has a life of its own. Your accounts age which is a positive factor. If an account is paid off, this changes the age and number of accounts and this is a negative factor. As your utilization of your credit cards goes up and down, the credit score has a reverse affect. Each payment made on time has a positive impact as well. Compare your credit report from last month to this month and determine what changed. If it was a negative change, reverse what you were doing. If its a positive change, continue that pattern.

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